The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$54,129
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,812
−HK$1,711/mo
Today · 4.125%
HK$57,523
baseline
▲ 0.50% · 4.625%
HK$61,023
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,046/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,218
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,833
−HK$1,638/mo
Today · 4.125%
HK$63,471
baseline
▲ 0.50% · 4.625%
HK$66,817
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,942/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,954
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,975
−HK$2,053/mo
Today · 4.125%
HK$69,028
baseline
▲ 0.50% · 4.625%
HK$73,228
+HK$4,200/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,056/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,261
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,199
−HK$1,966/mo
Today · 4.125%
HK$76,165
baseline
▲ 0.50% · 4.625%
HK$80,180
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,330/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,780
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,137
−HK$2,395/mo
Today · 4.125%
HK$80,532
baseline
▲ 0.50% · 4.625%
HK$85,432
+HK$4,900/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,064/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,305
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,566
−HK$2,293/mo
Today · 4.125%
HK$88,859
baseline
▲ 0.50% · 4.625%
HK$93,543
+HK$4,684/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,718/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,432
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,462
−HK$3,079/mo
Today · 4.125%
HK$103,541
baseline
▲ 0.50% · 4.625%
HK$109,842
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,082/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,392
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,299
−HK$2,949/mo
Today · 4.125%
HK$114,248
baseline
▲ 0.50% · 4.625%
HK$120,270
+HK$6,022/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,496/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,865 · Scale 2, in force from 26 Feb 2026)